Your home stands out for its quality, design, and unique features—but does your insurance reflect that? If your insurance policy wasn’t built with your home's value in mind, you may be more exposed than you think.

Many high valued homeowners don’t realize that standard insurance policies come with limits that often fall short of what it would actually cost to repair or replace their property. And when disaster strikes such as a fire, a storm, or a break-in – those gaps turn into costly surprises.

Let’s break down where standard policies miss the mark and how you can make sure your coverage aligns with the true costs of your high valued home.

Where Standard Policies Fall Short

Traditional homeowners insurance works well for many properties, but it isn’t always built for the scale or complexity of a high valued home.

Homes with custom architecture, premium materials, and valuable possessions often require more than what a typical policy provides. Standard homeowners coverage limits can fall short in critical areas, leaving you exposed to additional out-of-pocket costs:

• Dwelling coverage based on standard replacement costs may not account for unique design, materials, or craftsmanship
• Limited coverage for high-valued personal property like fine art, jewelry, or collectibles
• Narrow limits for features like wine cellars, outdoor kitchens, high-end appliances, or advanced smart-home systems
• Basic liability coverage that may not reflect your full exposure or fully protect your financial assets

And when the value of your property and personal assets is higher, the financial risk of being underinsured grows significantly.

What’s at Stake: Real-World Risk, Real Cost

When a policy isn’t built for the true value of your home, the gaps may not show up until the worst possible moment. A kitchen fire that damages custom cabinetry. A storm that tears through imported roof tile. A break-in that results in the loss of precious jewelry or artwork.

The danger isn’t just in catastrophic losses, it’s also in the day-to-day incidents that cost more to resolve when policies don’t match the true value of your home.

Even smaller claims can turn into major frustrations when limits don’t align with the cost of restoration or replacement. And when it comes to liability, one serious incident could carry legal and financial consequences far beyond what basic coverage can handle.

When your coverage isn’t designed for the level of risk you carry, you’re the one left filling in the financial gaps.

Coverage That’s Built to Fit

Protecting a high valued home takes more than bumping up your limits. It takes a policy designed around the true cost of what you’ve built, and the risks that come with it.

American Integrity’s high valued home insurance is built specifically for properties valued above $750,000. It goes beyond the basics to provide broader protection where it matters most.

Every feature is designed to close the gaps that traditional coverage leaves behind:

• Higher dwelling coverage that reflects the real cost to rebuild with premium materials and custom architecture
• Increased personal property limits, with options to protect valuables like art, jewelry, and collectibles
• Expanded liability coverage to help safeguard against financial fallout from accidents or legal claims
• Optional flood endorsement for added protection in a state where rising water is always a risk

The right coverage doesn’t just respond to risk. It’s built to stay ahead of it.

Confidence Starts With the Right Coverage

You’ve worked hard to build the home and lifestyle you enjoy. The whole point of home insurance is to protect that. But standard policies weren’t designed for custom construction, premium materials, or the level of financial risk that comes with owning a high-valued home.

And in a market where costs are rising and risks are shifting, having the right policy in place isn’t a luxury – it’s a necessity.

American Integrity’s high valued home coverage is tailored for Florida homeowners who need more than standard protection. With broader protection, higher limits, and the flexibility to recover without compromise, it’s a policy designed to offer comprehensive coverage that protects your biggest investment.

If your home is worth more, your coverage should be doing more. Start the conversation today by contacting an agent.